Banks don't generally lend 100%.

The problem I'm running into is I have no idea where to find people who lend private money.

Yet things have vastly changed in the lending and real estate world since the previous downturn with certain "safeguards" put into place.

I am just getting into private lending myself.

As a loan officer there is a lot of things about the lending process that you know that the general public doesn't.

 @Paxson B Hightower Have you considered syndication?

I have some experience with real estate and conventional lending, but have never used Hard Money for a flip or buy and hold.

The last thing you want to do is hook up with a syndicator that is overly ambitious in their pro forma.

A little more informationL Our HML didn’t want us to owner occupy, as it still was a non-owner occupied product, but had no problem lending to us in our own names, with no entity involved.

I doubt that you mean the individual since all of the syndicated deals that I have looked at are owned by individuals with incomes over $150k while depreciation is always calculated in the prospectus.